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Young Students.  Pedestrian injuries are the second leading cause of unintentional death among children ages 5 to 14. Children who walk to school or to a bus stop must be reminded to:

  • Look left, right, then left again before crossing the street.
  • Always try to cross a street were a crossing guard is present.
  • Walk 10 giant steps away from the front of the school bus.
  • Cross in front of the bus only after the driver signals it’s okay to do so.

High School Students.  Statistics show that teen drivers are four times more likely to be involved in a fatal crash. In fact, 6,000 young people are killed each year in fatal crashes. If your son or daughter drives to school:

  • Teach them to always buckle up and require everyone else in the car to buckle as well.
  • Remind them to always obey the speed limit.
  • Choose a safe car for teens to drive—remember large cars are safer than small ones.
  • Enforce no-drinking-and-driving rules.

College Students.  The number one crime on college campuses is theft. One out of every 10-college students will be robbed while away at school.  If living on-campus, most students’ belongings are covered under their parent’s homeowner policies, but expensive computer equipment and other items may not be.  If living off-campus, the parent's homeowner insurance will not usually provide coverage.  Students should purchase a renter's policy to cover their belongings and to provide personal liability coverage in the event they should be held legally responsible for an injury at their residence.  Parents should also:

  • Remind students to always lock dormitory doors, even if they are just down the hall.
  • Tell students not to keep large amounts of money or jewelry in their rooms.
  • Have students mark personal property, such as book-bags and CD’s, with identifiable marks.
  • Check auto insurance if your child takes a car to school to be sure no additional coverage is needed.

Contact Insurance Planning Service for more insfomation about Michigan renters insuranceMichigan auto insurance or other insurance needs for your student.  We are an independent insurance agency offering a full range of insurance products – auto – home – business – life – health – to individuals, families and businesses throughout Michigan.  Call or visit us on the web today for a quote on your insurance!

734.421.9900  |  800.220.5582  |


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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake